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Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

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March 21, 2018

Let’s Buy a House!

So you want to buy your first house! Jumping into the housing market can be an exciting, scary, and stressful process (I know)! There is so much information that, for a first time home buyer, the process can be overwhelming. Homes can be expensive! Down payments, closing costs, and inspections; there are a lot of […]

Categories: Money
Tags: first time home, home buying, loans

March 29, 2017

Spring Is In The Air And On The Car Lot

You may well have gotten through this mild winter without damaging your car by sliding into a guardrail, or cracking your axle in a pothole.  Even so, like many Americans, you may be ready to make a new car purchase. If so, you’d be wise to do your homework before you visit the car dealerships, […]

WRITTEN BY: Kathy Michelich, Family and Consumer Sciences Educator, Warren County, Ohio

REVIEWED BY: Amanda Woods, Healthy Finances Program Specialist OSU Extension Family & Consumer Sciences

SOURCES:

  • “What is the difference between an interest rate and the Annual Percentage Rate (APR) in an auto loan.” Consumer Financial Protection Bureau. 2017
  • “Can I prepay my loan at any time without penalty?” Consumer Financial Protection Bureau. 2017
  • “Comparing Auto Loans - CFPB Auto Loan Shopping Sheet,” Consumer Financial Protection Bureau. 2017

Categories: Money
Tags: APR, auto loan, car purchase, loans, negotiable, prepayment penalty

July 8, 2015

Your Financial Life – Credit Scores

A big part of your financial life is your credit score. Not to be confused with your credit report, your credit score is a number assigned to a person that indicates to lenders: if they qualify for the service their ability to repay a loan the rate they will pay for a loan or credit […]

WRITTEN BY: Candace J. Heer, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Morrow County, heer.7@osu.edu

REVIEWED BY: Joanna Rini, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Medina County, rini.41@osu.edu

PHOTO CREDITS:

  • flickr.com

Categories: Money
Tags: credit, credit history, credit score, finances, loans

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FAMILY AND CONSUMER SCIENCES
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